Liquidity, deposit concentration among regulatory targets after bank failures
Regulators already have the tools they need to prevent the kind of turmoil that rocked the banking industry following a string of closures, but they must improve their supervision, according to several industry experts.
After facing various headwinds like liquidity challenges and deposit runs, regulators recently closed SVB Financial Group's bank unit, Silicon Valley Bank, and Signature Bank. Those moves came just a few days after Silvergate Bank announced that it would liquidate itself. The Silicon Valley Bank and Signature Bank shutdowns rank as the second and third largest bank failures in U.S. history, respectively.
In light of those failures, new questions are being asked about regulatory oversight of banks' liquidity and deposit mixes.
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